These are questions about the travel emergency medical coverage for our Personal Health, Replacement Health, and Group Benefit Plans, along with our TravelStar Emergency Medical Plans.
I have a plan that includes out-of-country emergency medical coverage. If I travel abroad, do I have medical coverage for emergencies?
As of November 12, 2020, you have coverage as long as:
- You’re travelling while your policy is effective;
- Your trip is within the number of days you have coverage for, from your departure date;
- There is no “Avoid All Travel” advisory for your destination; and
- There is no “Avoid Non-Essential Travel” advisory for your destination for anything other than COVID-19.
Please note: 3sHealth Retiree Plan members have out-of-country emergency medical coverage as of August 9, 2021.
I have a plan that includes emergency medical coverage. Do I have coverage for COVID-19 if I travel outside of Canada?
You have coverage up to $500,000 for medical expenses related to a positive diagnosis for COVID-19. This $500,000 exception is part of the emergency medical coverage maximum identified within your plan – not in addition to.
You’re covered for emergency medical expenses related to testing positive for COVID-19 when:
- Your destination has a travel warning to “Avoid Non-Essential” travel exclusively for COVID-19.
- You haven’t had a positive diagnosis of COVID-19 during your stability period.
- You didn’t have any symptoms of COVID-19 before your departure.
- You’re within your allowable days of travel or effective dates of your plan.
You’re not covered for any emergency medical expenses when the Government of Canada has issued the following travel warnings for your destination:
- “Avoid All Travel” warning
- “Avoid Non-Essential Travel” for something other than COVID-19.
Examples would be (but not limited to) terrorism, high crime, violence, civil unrest, other health notices, etc.
Am I covered if I go on a cruise?
No. The Government of Canada has issued an “Avoid All Travel” advisory for cruise ships.
What happens if I'm on a trip to a country that only has an "Avoid non-essential travel" for COVID-19, but during my trip the advisory changes to a "Avoid all travel"? Is my coverage still in effect?
Your coverage would be in effect until your plan expires. Extensions would not be available though.
Can I extend my GMS emergency medical coverage if I need to be away longer due to COVID-19 travel disruptions?
If you're stranded or delayed passed your scheduled return date due to the delay of a common carrier (bus, train, airplane, etc.) you would be eligible for an automatic 3-day coverage extension. This is only for customers with an Individual Health or TravelStar Plan. If you're a group plan member, check your policy to see if an automatic coverage extension is included with your plan.
If you're going to be stranded or delayed more than 3 days due to the COVID-19 disruptions you can purchase a policy extension if you:
- Contact us prior to the expiry date of your policy; and
- Have not had a claim or required medical treatment during your trip and have met the plan's eligibility requirements.
Please call us at 1.800.667.3699 (within Canada and the US) or collect at 1.306.352.7638 (from all other locations) if you need automatic extension or if you need to purchase an extension. Our Call Centre is open Monday to Friday 8 a.m. to 4:30 p.m. CST.
I'm choosing to remain on my trip longer than my GMS annual plan allows for. Can I purchase a TravelStar Emergency Medical Plan to extend my trip?
Yes. When buying a TravelStar Emergency Medical Plan as a top-up for a GMS policy, you must:
- Apply for coverage 2 business days prior to the expiry of your current policy
- Not have had a claim or required medical treatment during your trip
- Meet the plans eligibility requirements of the policy you are purchasing
Please call us at 1.800.667.3699 (within Canada and the US) or collect at 1.306.352.7638 (from all other locations) if you need to purchase a top-up. our Call Centre is open Monday to Friday 8 a.m. to 4:30 p.m. CST.
Can I purchase a StudentPlan plan for the upcoming school year?
No. Sales of our StudentPlan are unavailable until further notice.
Can I purchase a TravelStar Trip Cancellation Plan?
No. Due to the Global Travel Advisory issued by the Canadian government in response to the COVID-19, we’ve suspended sales of Trip Cancellation and Interruption coverage until further notice.
What happens if I can’t get home before my emergency medical coverage expires because I’m in isolation or quarantine because of COVID-19?
We’ll automatically extend your policy for 72 hours after you’ve been discharged or deemed fit to travel as long as your policy was still effective when you went into isolation or quarantine. Please make sure to contact GMS Travel Assistance service toll free at: 1.800.459.6604 or collect: 905.762.5196.
Will I have emergency medical coverage if I decide to stay outside of Canada even though the Canadian Government has advised all Canadians to return home?
You’ll have coverage, according to the terms and conditions of your policy, up to the expiry date of your plan.
Are trip interruption or delay expenses covered under my emergency medical plan if I'm delayed at my destination waiting for a COVID-19 test to enter Canada?
No. This is not a benefit of the policy.
Is the cost of the mandatory COVID-19 test needed to board my flight, enter Canada, and/or needed once I'm in Canada covered?
No. The costs for tests or documentation to enter or re-enter a country are not covered.
If I can be vaccinated for COVID-19 while I'm travelling in another country, is that covered?
No. Vaccinations are not covered.
Is the cost of quarantining in the Federal appointed hotel covered?
No. This is not a benefit of the policy.
Can I cancel my TravelStar emergency medical plan if I haven’t left on my trip?
You can change or cancel your coverage for a full refund as long as it’s before the effective date. Just give us a call toll free at 1.800.667.3699 or at our local number 306.352.7638, or send us an email at firstname.lastname@example.org to cancel. If you purchased your plan through a broker, you can also contact them.
I came home early from my trip, can I get a refund for the days of emergency medical coverage I didn’t use?
Single-Trip Emergency Medical plans can be refunded. We’ll refund you for your unused days of Single Trip coverage as long as you haven’t submitted a claim for that trip
Be sure to send us a cancellation request by email no more than 30 days from the day you returned home. Once we’ve issued your refund, you’ll no longer be able to submit a claim under that plan. If you purchased your plan through a broker, you can also contact them.
Multi-Trip Annual Emergency Medical plans are not refundable.